LendingTree Visa® Credit Card
Basic Information
Program ID: lendingtree-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:57
Last Scraped: 01/15/2026 14:58
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit will be applied to your account within 1-2 billing cycles after meeting the spend requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on LendingTree services (e.g., loan origination fees, financial advice subscriptions), 2x on Home Improvement Stores, 1x on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility for the LendingTree Visa Credit Card requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria, including income and credit history. The current sign-up bonus for 2026 offers 20,000 bonus points (redeemable for $200 cash back or statement credit) after spending $1,000 on eligible purchases within the first 3 months of account opening. This bonus is limited to one per account per 24 months. Applications are subject to a credit inquiry and approval by BreadFinance.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive balance transfers without new spend, high cumulative credit limit across all BreadFinance products, frequent returns for rewards abuse, suspicious spending patterns, late payments or defaults on any BreadFinance accounts, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Easy approval for fair credit, no annual fee, decent 1.5% cash back on all purchases, good for credit building.
Top Negative Feedback:
Poor customer service from Comenity Bank, low initial credit limits, high APR, issues with online account management.
Approval Experience Score: 68.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it® Secured Credit Card
- Petal® 1 Rise Visa® Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 42 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 01/24